Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
OOM Verzekeringen · compared independently · advice from Finass
Medical insurance via OOM
Outside the Dutch system there is no obligation to accept: an international medical insurance first assesses your health and then determines what is excluded for you.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Ziektekostenverzekering via OOM — vergelijk & bereken premie.
Ask us
We will take a look and refer you elsewhere where that is better.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This product resembles health insurance but works under different rules. Dutch basic health insurance has a statutorily defined package, an obligation to accept and a premium that is the same for everyone. An international medical insurance is an ordinary private indemnity insurance: the insurer may refuse you, may exclude a condition and may apply a different rate to each person.
That is why it starts here with medical acceptance. You complete a health declaration and, under Article 7:928 of the Dutch Civil Code it must be complete. What you declare can lead to a clause permanently excluding a condition; what you fail to declare can be raised against you by the insurer under Article 7:930 of the Dutch Civil Code at the moment you need the cover most.
The second thing that determines everything is the area of cover. Worldwide cover with and without the United States and Canada are two different products, with different networks and different arrangements for direct payment to the hospital. We settle those choices first and then compare OOM's conditions with those of other providers.
Through Finass or direct with OOM Verzekeringen?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
In addition to damage to third parties, employers' and product liability and damage during work at the client's premises.
- Employers' liability at the client's premises
- Product liability
- Agency workers, interns & volunteers
- Care, custody and control (property in your care)
Complete package
The most complete cover. We compare OOM's extended version with the market.
- Environmental impairment (unforeseen, limited)
- Retroactive cover (prior risk)
- Higher sums insured
What we do
| What we do | At Finass | Direct with OOM Verzekeringen |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether OOM Verzekeringen is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Acceptance is not a formality
An insurer can refuse you, apply an increased rate or exclude a condition. That exclusion appears as a clause on your policy schedule and often applies to complications and consequences of the same condition as well. So always ask for the wording of the clause before you sign, because a broadly worded exclusion can later cover far more than the complaint you once saw your GP about.
Waiting periods and the question of when a complaint arose
For childbirth, dental care, physiotherapy and psychological help, waiting periods generally apply from the start date. What is decisive is not when you came forward but when the condition arose or the first symptoms appeared. An ailment that began shortly before the start date and is only diagnosed afterwards is treated as pre-existing. That distinction is the most common reason for a claim being refused.
Prior authorisation for admission and expensive treatment
For hospital admissions, operations, diagnostic imaging and treatment outside the network you must obtain prior authorisation from the insurer or the emergency assistance centre. Without that authorisation, often only part is reimbursed or you have to pay the bill up front yourself. Report an event as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires; reporting late costs you cover if the insurer is prejudiced as a result.
What is structurally left out
Cosmetic procedures without medical necessity, fertility treatment, addiction care, experimental or not yet recognised treatment and care you deliberately seek in another country because it is cheaper there are excluded as standard. Treatment outside the agreed area of cover also falls outside, which particularly affects holidays in the United States under a policy that excludes that area.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
- Age at inception and at renewal — The premium is set by age band and is reassessed at every renewal.
- Area of cover — Whether or not the United States and Canada are included is the single largest difference in the rate.
- Outcome of the medical underwriting — A clause, a loading or full acceptance follows from the health declaration.
- Package variant chosen — Hospital care only, or an extensive package with the GP, medication, dentistry and physiotherapy.
- Excess or personal contribution — The amount you bear yourself per policy year reduces the premium as it rises.
- Number of family members covered — A partner and children are each assessed and counted separately.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Can an insurer refuse me?
Yes. The obligation to accept under the Health Insurance Act applies only to Dutch basic health insurance. An international medical insurance is a private indemnity insurance; the insurer may reject an application, charge a loading or permanently exclude a condition. It is therefore worth having the application assessed by several providers before you sign anywhere definitively.
Does this replace my Dutch basic health insurance?
Only if you are no longer liable to insure. As long as you are a resident or pay payroll tax here, you must have basic health insurance and may not replace it with an international policy. If the obligation lapses because you deregister, the international cover takes over and you must cancel the basic health insurance as at exactly the same date.
Why does the insurer ask whether I want cover in the United States?
Because medical costs there are at a completely different level from elsewhere and the insurer can barely make rate agreements. Policies with and without cover in the United States and Canada are therefore separate products. If you travel there occasionally, ask whether a temporary extension is possible instead of full worldwide cover.
What should I do in the event of a hospital admission?
Call the emergency assistance centre first, including in an emergency and outside office hours. They arrange a guarantee of payment, so that the hospital invoices the insurer directly and you do not have to pay anything up front. Without that step you receive the bill yourself and run the risk that part of it is not reimbursed because there was no prior authorisation.
Read more
Similar pages
- Temporary stay in the Netherlands insurance through OOM — compare & calculate your premium
- Insurance for emigrating through OOM — compare & calculate your premium
- Insurance for working abroad through OOM — compare & calculate your premium
- Insurance for digital nomads through OOM — compare & calculate your premium
- Insurance for emigrants through OOM — compare & calculate your premium
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.